تحليل علاقة المحددات الخارجية للربحية وتأثيرها في الاستقرار المصرفي عن طريق الدور الوسيط لمؤشرات الربحية
دراسة تحليلية لعينة من المصارف العراقية الخاصة المدرجة في سوق العراق للأوراق المالية للمدة (2005-2020)
الكلمات المفتاحية:
المحددات الخارجية للربحية، الاستقرار المصرفي، المصارف التجارية الخاصةالملخص
يهدف هذا البحث إلى تسليط الضوء على علاقة المحددات الخارجية للربحية وتأثيرها في الاستقرار المصرفي بمؤشرات الربحية ، والمحددات الخارجية تمثلت مؤشراتها ( التضخم ، الناتج المحلي الإجمالي ، سعر الصرف، مخاطر سعر الفائدة ) كمتغيرات مستقلة في الاستقرار المصرفي العراقي باستخدام مؤشر (Z-Score) كمتغير تابع ، والمتغير الوسيط الربحية بمؤشراتها ( معدل العائد على الودائع ، معدل العائد على حق الملكية) وقد اعتمد البحث في الجانب التطبيقي على التقارير والكشوفات المالية المنشورة لعينة من المصارف (2005 – 2020 ) ، واعتمدت الدراسة تحليل البيانات (Panel Data Analysis) ، وتحليل (Path Analysis) ، ،باستخدام البرامج الإحصائية ، ومن اهم الاستنتاجات اذ اسهمت في زيادة اهتمام المصارف العراقية عينة البحث بمؤشرات الربحية من نجاح المصارف وزيادة عوامل الثقة والاطمئنان للمساهمين والمتعاملين مع القطاع المصرفي وجاءت توصيات هذا البحث اذ أظهرت النتائج الإحصائية بضرورة اهتمام المصارف المبحوثة بالمحددات الخارجية لما لها من اثار سلبية في الاستقرار المصرفي.
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